Poor service and exorbitant interest rates

Am highly disappointed on African bank with an interest rate of 25% on my loan which I took 11/02/2022 for an amount of R 173 307.50 and installment of R 5541.50 and last year I was told my account have accumulated interests and I have agreed to increase my instalment to R 7500 which am currently paying but after I receive my recent statement indicating balance of R 159 380 which I find it extremely exorbitant and arrears in Dec 2024 was 15 240 but today on the statement received my arrears are on R 21 000....am really disappointed on the poor service I have been receiving from African bank after I have sent many emails with no response to query my account. Shocking our inflation rates sitting on 4.5% but am currently on the interest rate of 25%..I need an explanation on reduculious amount been charged and payment history.